American Express Travel Related Services Company, Inc.

Jeffrey A Chwast

Kathleen Haggerty

Chao M Yuan

Di W Xu

Jing Wang

Philip B Hayden

Arvind Dua

Michael L Sanabria

James N Berry

Sireesh B Kilaru

Jahanzeb Jabbar

At least some embodiments of the present disclosure are directed to an exemplary system including an application server; a cache memory storage; and a datastore; where the application server is at least configured to: receive, from one or more web client sessions, real-time user-related activity data that is representative of one or more activities performed by a user during a day; store the real-time user-related activity data in a temporary cache user profile data structure of the at least one cache memory storage; upon the receipt of the real-time user-related activity data, invoke, in real-time, a plurality of APIs that are configured to determine a user-specific eligibility data, generate a fixed activity plan; and attribute, in real-time, an activity performance to the fixed activity plan based on a pre-determined allocating rule.

Programmed servers with associated data structures to track and manage user-related activity data

The spend capacity of a consumer typically increases as the number of consumers in the household increases, since the consumer can draw on the spending power of other consumers in the household. The size of wallet of the household is thus a better indicator of the consumer's spend capacity than an individual size of wallet. All consumers in a given household can be aggregated based on, for example, their address of record. Duplicate tradelines within each household are removed from consideration in a size of wallet estimate. A spend capacity is then estimated for each tradeline using calculations derived from a consumer behavior model. The spend capacities for all tradelines in the household are combined to determine a household size of wallet. Each consumer in the household is then tagged with the household size of wallet, rather than their individual size of wallet.

Consumer household spend capacity

Estimating the spend capacity of consumer households

Growing community of inventors

Woodmere, NY, United States of America

Jeffrey A Chwast